Tools To Manage Business Expenses
U.S. Bank wants to see you and your business succeed. That's why we offer a wide variety of small business credit cards to meet the needs of your growing
business. View and compare all of our business credit card features with the Business Card Comparison Chart.
We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.
The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc., and the cards are available to United States residents only.
Annual Fee: $0 the first year and each year that you charge at least one purchase to the Account, otherwise, $25 per cardmember annually. See your Cardmember Agreement for details.
The Cash Rewards earned is three percent (3%) of Net Purchases (purchases minus credits and returns) made on cellular, gas and office supply stores. All other Net Purchases will earn one percent (1%) Cash Rewards. Merchants must submit the charge under the appropriate merchant or industry code, as established by Visa and the merchant to qualify for rewards. Points will be pooled to one Points balance at the Business level. The individual who executed the application for credit will have the sole authority to redeem the pooled Points. If the Points balance changes from pooled to individual, any unredeemed Points will stay pooled and will not transfer to the individual Points balance. Full details will be provided when you become a cardmember.
Provided your Account is open, current and otherwise in good standing, an annual bonus equal to 25% of your prior year's Cash Rewards, up to a maximum of $250, will be awarded following your Cash Rewards Enrollment Anniversary Date. Full details will be provided when you become a cardmember.
One-time 20,000 Bonus FlexPoints will be awarded when you are approved for a new FlexPerks Business Travel Rewards Visa card and Net Purchases (purchases minus credits and returns) totaling $3,500 or more post to your account within four months from account opening. 10,000 Bonus FlexPoints will be awarded when you are approved for a new FlexPerks Business Select Rewards Visa card and net purchases totaling $1,000 or more post to your account within four months from account opening. Please allow 6 to 8 weeks for enrollment Bonus FlexPoints to be credited to your FlexPerks Reward account. You are eligible to receive one-time bonus FlexPoints for each new FlexPerks Business Travel Rewards and FlexPerks Business Select Rewards account type. Existing and previous FlexPerks Business Travel Rewards and FlexPerks Business Select Rewards accounts do not qualify for bonus FlexPoints for a similar account type. One-time bonus FlexPoints do not apply toward account upgrades. Use of the FlexPerks Business Travel Rewards Visa Card or FlexPerks Business Select Rewards Visa Card are subject to terms and conditions of the FlexPerks Business Travel Rewards Visa Cardmember Agreement and the FlexPerks Business Select Rewards Cardmember Agreement, which may be amended from time to time. This offer may not be combined with any other bonus offer. Offer is subject to credit approval.
Ace Rewards points are earned as a percentage of net purchases (purchases minus credits and returns). For every $1 of net purchases, Cardmembers earn up to 10% (up to 50 points) in popular categories, up to 5% (up to 25 points) at Ace, 2% (10 points) for gas and groceries, and 1% (5 points) everywhere else Visa is accepted. For every 12,500 Ace Rewards points earned, Cardmembers receive a $25 Ace Reward redeemable at participating Ace Hardware stores. Additional terms and conditions apply. Please see acerewardsvisa.com for full program details.
Earn 10% in Ace Rewards points for each net $1 spent when you use your Ace Rewards Visa Card on category purchases up to the purchase dollar amount cap specified for the category. The 10% in Ace Rewards points is calculated as follows: for every net $1 spent on a category purchase, you will earn 1% in Ace Rewards points (5 pts/$1) and an additional 9% in bonus Ace Rewards points (45 pts/$1). Bonus points will be awarded within 6 weeks after the conclusion of each offer. Category purchases in excess of the specified cap will earn Ace Rewards points at the 1% (5 pts/$1) rate for each net $1 spent. To participate, you must be an Ace Rewards Visa Cardmember in good standing (account open for at least 40 days and not over-the-credit limit or past due on the closing date for the billing cycle) and sign up at acerewardsvisa.com for each quarterly bonus offer before the end date for each promotion. U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify.
Customers who are approved for the Ace Rewards Visa Card will be automatically enrolled in the Ace Rewards Loyalty program, if they are not already Ace Rewards Loyalty program members. The 5% in Ace Rewards points (25 pts/$1) is calculated based on the 3% (15 pts/$1) earned for every net $1 spent at participating Ace stores plus an additional 2% (10 pts/$1) in Bonus Rewards points on Ace store purchases when you reach a minimum spend of $12,000 anywhere Visa is accepted in a calendar year. The 2% Bonus Rewards points will be awarded in a lump sum on the Cardmember's Ace Rewards Visa periodic statement during the subsequent first quarter of each calendar year.
Earning Gold Points: Cardmembers will earn 10 Gold Points for each dollar ($1 USD) of Net Purchases on their Account at any participating hotels where "Radisson Blu", "Radisson", "Park Plaza", "Park Inn by Radisson", "Park Inn", or "Country Inns & Suites By Carlson" appears as part of the merchant identified on your monthly statement. Cardmembers will receive 5 Gold Points for each dollar ($1 USD) of Net Purchases on their Account elsewhere. U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify for earning Gold Points. "Net Purchases" means authorized purchases of goods and services minus any returns or refunds and does not include Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. Gold Points will not be awarded if a Cardmember's Account is in Default (as defined in the Agreement), past due or closed. Gold Points earned on Net Purchases are transferred to your Club Carlson account within 6 to 8 weeks after they appear on your billing statement.
Bonus Award Night: When you redeem Gold Points for Award Nights of two or more consecutive nights at the same participating Carlson Rezidor hotel property, you will receive the last of the Award Nights of that stay free without deduction of any Gold Points from your Club Carlson account ("Bonus Award Night"). Your Account must be open and reservation must be in the Club Carlson member's name and use the member number associated with your Account to be eligible for the Bonus Award Night. The Bonus Award Night offer is available only on advance reservations for Award Nights paid in full with Gold Points and is not valid with standard paid reservations or Points + Cash redemption reservations. Only one Bonus Award Night will be available for a stay of two or more consecutive nights at the same hotel (early checkout with one night stay not eligible), regardless of the total length of stay, the total number of reservations or the number of check-in/check-outs, is subject to availability and all other terms and conditions and cancellation policies regarding Award Nights apply. Does not apply to additional reservations booked as contiguous stays at the same hotel. Only one room per reservation, per hotel for an Award Stay will be eligible to receive the Bonus Award Night offer. Your Account must be open at the time of redemption to qualify for Bonus Award Nights; any Award Night reservation made before your Account was open will need to be rebooked to qualify (rebooking is subject to availability). Maximum fifty (50) Bonus Award Nights per calendar year per member with an open Account ("Annual Maximum"). If a reservation with a Bonus Award Night is subject to a cancellation penalty, the Bonus Award Night from that reservation will count against the Annual Maximum. A Bonus Award Night has no Gold Point or cash value and cancellations involving a Bonus Award Night will not result in the credit of any additional Gold Points in your Club Carlson account.
Complimentary Gold Elite Status: Business owners qualify for Gold Elite status in the Club Carlson Program after opening an Account and a first Net Purchase is made by any Cardmember. Your Gold Elite status will become effective 6 to 8 weeks after the date of the first Net Purchase. You will receive a membership card and information after your Gold Elite status is in effect. You will continue to maintain Gold Elite status so long as your Account remains open and in good standing. Complimentary Gold Elite status earned through the Card Benefit Program does not waive the full number of stays or nights required for Concierge Elite status and you must earn Concierge Elite status in accordance with the Club Carlson Program Terms and Conditions to be eligible for higher elite status.
One-time new SKYPASS Business Visa Enrollment Bonus Miles will be awarded when you pay your annual fee or make your first purchase. Please allow 6 to 8 weeks for Enrollment Bonus Miles to be credited to your SKYPASS member's mileage account. Bonus Miles and Purchase Miles are credited to each employee's individual SKYPASS account. SKYPASS Visa card must be open and in good standing at time of Bonus Mile Award. Previous accounts closed within the last 12 months will be reopened and no enrollment miles will be awarded.
Receive 2 miles for every $1 charged on qualified Korean Air net ticket purchases. Qualified purchases include Korean Air tickets purchased through travel agents, Korean Air ticket agents, or koreanair.com. Your SKYPASS Visa Business card must be used to make the purchase in order to be eligible for Double Miles. The first mile per dollar spent (purchase miles) will automatically appear on your SKYPASS Visa Business statement for your purchases. The second or Double Mile will be awarded 6 to 8 weeks from the time of purchase. Korean Air returned purchases will result in the deduction of SKYPASS miles from the member's SKYPASS account. Double Miles credits or deductions will appear as "KOREAN AIR" on your SKYPASS account. All Double Miles postings are at the discretion of Korean Air. Bonus Miles and Purchase Miles are credited to the employee's individual SKYPASS account. The SKYPASS Visa Business card account must be open and in good standing at time of bonus mileage credits. For Double Miles discrepancies, please contact Korean Air at 800-438-5000 and speak to the SKYPASS Service Center.
Offer valid in conjunction with Korean Air tickets on Korean Air operated flights and cannot be used with tickets issued by other airlines. Korean Air Airport Lounges in Korean Air gateway cities within North and South America and Seoul (Incheon), Korea only. Lounge Coupon is valid for one (1) lounge use only and must be surrendered upon entering a Korean Air Lounge. To access a Korean Air Lounge in North and South American Korean Air gateway cities, or to access the KAL Prestige Lounge or KAL Concourse Lounge at Incheon after check-in or en route to the final destination, proceed directly to the Lounge with the Coupon. Each year, the primary cardmember will receive two (2) Lounge Coupons by mail 8 to 10 weeks after your annual fee is paid, provided SKYPASS Visa account is open and in good standing at time of renewal. Cardmembers must pay annual fee in the month it is due to be eligible for Lounge Coupons.